Sparkasse Hilden Ratingen Velbert

What Sparkasse Hilden Ratingen Velbert does

Sparkasse Hilden-Ratingen-Velbert is a German public-law savings bank (Anstalt des öffentlichen Rechts), formed in December 2019 from the merger of the Sparkassen serving Hilden, Ratingen, and Velbert in North Rhine-Westphalia. It operates as a universal retail and corporate bank under the Sparkassen-Finanzgruppe umbrella, serving private customers (Privatkunden), corporate clients (Firmenkunden), youth segments, and a Private Banking offering, with a regional footprint anchored by physical branches in the three cities and access to the national Sparkassen ATM network of 19,711 machines.

The product portfolio is comprehensive: current accounts (Giro Flex at €6.00/month, S4Young free until age 18, Giro Flat), debit and credit cards (Sparkassen-Card, Mastercard/Visa tiers from Basis to Platinum), lending products (S-Privatkredit up to €75,000, S-Dispositionskredit at 11.55% p.a., Baufinanzierung, KfW-Förderkredite, S-Autokredit), savings and investment vehicles (Sparkassenbrief, S-Tagesgeld, Sparkassen-Depot, ETF/Aktien/Gold-Sparpläne, bevestor robo-advisory), retirement products (S-BasisRente, Sparkassen-FondsRente, bAV), insurance brokerage (Allianz), and real estate services. The digital platform is built on Online-Banking and App Sparkasse, integrating multibanking, Wero instant payments, photo transfers, electronic postfach, device recognition, biometric authentication, pushTAN/chipTAN security, and a chatbot ("Linda") running on Google NLP. Distribution is hybrid: branches, a customer service center, video advisory, online and mobile self-service, and partner channels (DekaBank, bevestor, Allianz).

The revenue model combines interest income (lending), transaction and account fees, investment product commissions (DekaBank, bevestor), insurance brokerage commissions (Allianz), and real estate transaction fees. Pricing is transparent and disclosed: Giro Flex €6.00/month plus €0.20 per transaction, overdraft at 11.55% p.a., Sparkassenbrief 2.10–3.00% p.a. depending on term, S4Young free until age 18. The institution is supervised by ECB and BaFin and benefits from the Sparkassen-Haftungsverbund deposit guarantee scheme. As a public-law entity it is not listed, not privately owned, and does not disclose revenue on consumer-facing channels.

Name

Sparkasse Hilden Ratingen Velbert

Legal name

Sparkasse Hilden-Ratingen-Velbert

Website

https://sparkasse-hrv.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Sparkasse Hilden-Ratingen-Velbert is a German public-law savings bank formed in 2019 that serves retail and corporate customers across Hilden, Ratingen, and Velbert with full-service universal banking — deposits, lending, payments, securities, insurance, and real estate — delivered via branches, online banking, and the App Sparkasse mobile platform under the Sparkassen-Finanzgruppe umbrella.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industry

Secured-to-Unsecured Refinance Personal Loans (Unsecured Installment) (FSAKAAAI)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Wealth management
• Mortgage financing

Headquarters

HQ city

Velbert

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest earned on lending products including mortgages, personal loans, and overdraft facilities. The bank offers construction financing, S-Privatkredit, auto loans, and S-Dispositionskredit at 11.55% p.a.
2. Account and Transaction Fees: Monthly account maintenance fees (Giro Flex at 6.00 EUR/month), transaction fees (0.20 EUR per item), and card fees. Core services like S4Young are free until age 18.
3. Investment Product Commissions: Commissions from distributing investment products including Deka funds, bevestor digital wealth management (0.6% service fee plus 0.10-0.40% external costs), ETFs, and securities accounts.
4. Insurance Brokerage: Revenue from insurance product distribution including property, life, health, and travel insurance through partnerships with Allianz and other providers.
5. Real Estate Services: Commissions from real estate brokerage for buying, selling, and financing properties in Hilden, Ratingen, and Velbert. Also includes photovoltaic partner services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Sparkasse Hilden-Ratingen-Velbert is a German public-law savings bank offering retail and corporate banking services in Hilden, Ratingen, and Velbert. Its product portfolio spans current accounts, payment cards, personal and construction loans, savings and fixed-term deposits, securities and wealth management (including the bevestor robo-advisor), insurance brokerage, retirement products, and real estate services. Banking services are delivered through physical branches, online banking, the App Sparkasse, and an ATM network.

Product overview

Sparkasse Hilden-Ratingen-Velbert operates as a regional public savings bank (Sparkasse) serving retail and corporate customers across Hilden, Ratingen, and Velbert in North Rhine-Westphalia, Germany. The bank's product portfolio is structured around a unified banking platform (Online-Banking and App Sparkasse) supplemented by a comprehensive suite of financial products and services. The core banking products span current accounts (Giro Flex, S4Young, Giro Flat), payment cards (Sparkassen-Card debit and multiple Mastercard/Visa credit card tiers), and lending solutions (S-Privatkredit, S-Autokredit, Baufinanzierung, KfW-Förderkredite). Savings and investment offerings include deposit products (Sparkassenbrief, S-Tagesgeld, Sparkassenbuch), securities trading (Sparkassen-Depot, ETF/Aktien/Gold-Sparpläne), and managed portfolio services (bevestor robo-advisor, Deka Investments). Retirement solutions encompass state-subsidized pensions (S-BasisRente, Betriebliche Altersversorgung), fund-based pensions (Sparkassen-FondsRente Vario), and generational wealth planning (Sparkassen-GenerationenDepot Invest). Insurance products are distributed through the bank's Versicherungsmanager. Real estate services cover the full lifecycle from purchase and sale to construction, financing, and renovation. Digital banking is augmented by AI-powered services including the chatbot Linda (natural language processing), automated transaction categorization in the Finanzplaner, Anlagekonfigurator recommendation engine, and Card Control/Kontowecker anomaly detection features. The bank also offers Wero instant payments, electronic document management (Elektronisches Postfach), multi-device authentication (Geräteerkennung), and a multibanking aggregator. Private Banking services cater to high-net-worth individuals with bespoke wealth optimization, generational management, and real estate management. All digital services are integrated with partner ecosystems including DekaBank, bevestor, PAYBACK, Apple Pay, and various web analytics/marketing tools.

Differentiator

Problem solved

Functional benefit

Brands

• bevestor: Digital wealth management platform offered in partnership with DekaBank. Allows investing from €25/month or €500 lump sum, managed by Deka Vermögensmanagement GmbH. Features Select (classic) and Select ESG (sustainable) portfolio options.
• App Sparkasse
• S-pushTAN-App

Products and services

• S4Young Youth Account
• Giro Flex Current Account
• Giro Flat Current Account
• Sparkassen-Card (Debit Card)
• Reisekarte Gold Credit Card
• Shoppingkarte Silber Credit Card
• Mastercard Platinum / Visa Platinum Credit Card
• S-Privatkredit Personal Loan
• S-Dispositionskredit Overdraft Facility
• S-Autokredit classic Vehicle Loan
• Baufinanzierung Mortgage / Construction Loan
• KfW-Förderkredite Subsidized Loans
• S-Modernisierungskredit Renovation Loan
• Sparkassenbrief Fixed-Term Deposit
• Sparkassenbrief Trio (Staggered Maturity)
• S-Tagesgeld Daily-Access Savings
• Sparkassenbuch Passbook Savings
• Einstiegsstrategie Entry Strategy
• Sparkassen-Depot Securities Account
• bevestor Robo-Advisor Wealth Management
• Deka Investments Fund Savings Plans
• ETF-Sparplan ETF Savings Plan
• Aktien-Sparplan Stock Savings Plan
• Gold-Sparplan Precious Metals Savings Plan
• LBS-Bausparen Building Society Savings
• S-BasisRente (Rürup Basic Pension)
• Sparkassen-FondsRente Vario Fund Pension
• Sparkassen-GenerationenDepot Invest
• Betriebliche Altersversorgung (bAV) Company Pension
• Sparkassen-Starter Kids Children's Pension
• Versicherungen (Insurance Brokerage)
• Immobilien Real Estate Services
• Private Banking / Wealth Advisory
• Wero Instant Payment Service
• Kontowechsel-Service Account Switching
• PS-Sparen Lottery Savings
• App Sparkasse Mobile Banking

Quantifiable outcome

• 92% customer satisfaction rating (good, very good, or excellent) in 2024
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability6 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• bevestor GmbH (DekaBank)coreTechnology or Integrationbevestor GmbH is a 100% subsidiary of DekaBank Deutsche Girozentrale. The partnership provides digital wealth management services to customers of Sparkasse Hilden-Ratingen-Velbert. bevestor offers automated investment portfolios with Select and Select ESG options, managed by Deka Vermögensmanagement GmbH.
• PAYBACKcoreGTM or Marketing PartnerPAYBACK partnership allows Sparkasse customers to link their Sparkassen-Card with PAYBACK and earn points when paying at participating retailers including Aral, dm, EDEKA, and Netto Marken-Discount.
• Wero (European Payment Initiative)coreTechnology or IntegrationWero is the European instant payment standard enabling money transfers in under 10 seconds. Integrated into App Sparkasse for P2P payments and increasingly accepted in online shops. Promotional campaigns like 'Wero-Win-Wochen' offer daily prizes of 1,500 EUR.
• AllianzcoreGTM or Marketing PartnerInsurance products including Allianz SchatzBrief Komfort Dynamik, Allianz PrivatRente KomfortDynamik, and Allianz PrivateFinancePolice are offered through the Sparkasse's insurance portfolio.
• DekaBank Deutsche GirozentralecoreTechnology or IntegrationDekaBank provides investment fund products including Deka-FondsSparplan, Deka-JuniorPlan, DekaBank Depot, and ESG-focused sustainable investments. Parent company of bevestor.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• N26 GmbH: Berlin-based digital-only neobank serving German retail customers with mobile-first current accounts, payments, and savings products. Represents the agile, mobile-native competitive threat to legacy branch-based savings banks like Sparkasse HRV.
• ING-DiBa AG: Germany's largest direct bank, offering current accounts, savings, securities, and mortgages purely via digital channels. Comparable in retail banking focus and product breadth; represents the primary digital-native competitive threat to regional Sparkassen.
• DKB (Deutsche Kreditbank AG): Direct/digital bank owned by BayernLB, focused on retail and corporate banking via a digital-first model. Comparable in target customer segments (retail, SMB, mortgages) and increasingly competing in payment innovation and digital experience in the German market.

Others

• DekaBank Deutsche Girozentrale: Central securities and asset management institution of the Sparkassen-Finanzgruppe, owner of bevestor and provider of Deka investment funds distributed through Sparkasse HRV. A core partner/enabler of the bank's wealth management offering rather than a direct competitor.

Direct peers

• Stadtsparkasse Düsseldorf: Municipal savings bank serving the city of Düsseldorf in NRW. Closely comparable to Sparkasse HRV in legal form (Anstalt des öffentlichen Rechts), Sparkassen-Finanzgruppe membership, product mix, and customer base focus on retail and SMB in a contiguous NRW geography.
• Volksbank Düsseldorf Neuss eG: Cooperative bank (Genossenschaftsbank) serving the Düsseldorf-Neuss region in NRW. Closely comparable as a regional mutual member-owned depository institution offering retail and SMB banking, lending, and investment products under a parallel banking-group framework (genossenschaftliche Finanzgruppe).
• Sparkasse KölnBonn: Large regional Sparkasse serving Cologne and Bonn in NRW. Direct peer as a Sparkasse in the same federal state offering the identical public-sector product stack (Giro, S-Privatkredit, bevestor, Sparkassenbrief) to retail and corporate customers.
• Sparkasse Essen: Regional Sparkasse in Essen, NRW, providing the same retail, corporate, and wealth management services via the Sparkassen-Finanzgruppe infrastructure. Directly comparable in business model, regulatory status, and product portfolio.

Broad incumbents

• TARGOBANK AG: German retail and commercial bank owned by Crédit Mutuel, providing current accounts, consumer loans, mortgages, and wealth management. Overlaps with Sparkasse HRV's retail and SMB customer base in NRW with comparable product portfolio but broader national footprint.
• Commerzbank AG: One of Germany's largest private banks with significant retail, corporate, and wealth divisions. Competes with Sparkasse HRV in retail current accounts, mortgages, and SMB banking in NRW but at national scale and as a publicly listed private institution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xsparkasse-hrv.de/xing
• Facebooksparkasse-hrv.de/facebook
• LinkedInlinkedin.com/company/sparkasse-hilden-ratingen-velbert
• Instagramsparkasse-hrv.de/instagram

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sparkasse Hilden Ratingen Velbert